Tree Service and Removal Insurance

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Tree Trimming

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Tree service professional trimming a tree.

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Why do tree care professionals need business insurance?

Tree maintenance is dangerous work, and as a result, tree service companies deal with big liability. A falling tree branch could damage power lines or injure a homeowner, which could lead to a lawsuit. Tree service insurance helps your small business shoulder the legal and financial burden of injuries, property damage, equipment theft, and auto accidents.

Find affordable coverage

Tree service professionals can save money by comparing free quotes for insurance coverage from top-rated carriers.

Fill out Insureon's easy online application to get quotes and advice from a licensed insurance agent.

What types of insurance do tree service businesses need?

These insurance policies cover the most common risks of tree care.

General liability insurance

General liability coverage helps pay for third-party accidents, such as a property owner tripping over an arborist’s equipment. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

BEST FOR

Customer bodily injuries
Damaged customer property
Product liability insurance

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for tree service businesses to buy general liability coverage and commercial property insurance together.

BEST FOR

Customer injuries
Damaged customer property
Damaged or stolen tree service equipment

Commercial auto insurance

A commercial auto policy covers the cost of accidents involving a tree care company’s vehicle. Each state has its own requirements for auto liability policy limits.

BEST FOR

Property damage caused by your vehicle
Bodily injuries in an accident
Vehicle theft and vandalism

Workers’ compensation insurance

Most states require workers' comp for tree service businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Disability benefits
Employee injury lawsuits

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a tree trimmer’s climbing gear, pruners, chainsaws, pesticide sprayers, and other tools. It’s a type of inland marine insurance.

BEST FOR

Equipment less than five years old
Equipment that travels to job sites
Small tools

Cyber liability insurance

This policy helps tree service businesses recover financially from cyberattacks and data breaches. It's strongly recommended for any business that handles sensitive information.

BEST FOR

Customer notification costs
Data breach investigations
Fraud monitoring services

Looking for different coverage? See more policies.

How much does landscaping and tree service insurance cost?

Landscaper calculating costs of medical, auto, and employee expenses.

A small landscaping business will pay less for insurance than a larger company.

Factors that affect premiums include:

Landscaping services offered
Business property and equipment
Business income
Types of insurance coverage purchased
Policy limits and deductibles

View Costs

How do I get tree service business insurance?

It's easy to get tree service business insurance and license/permit bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find coverage that fits your tree trimming or tree removal business, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant